Welcome to JZMax Realty and Mortgage! We are a family-owned business, dedicated to giving our clients personalized service through every step of buying or selling their home. We are lucky enough to call San Francisco our home and do most of our business in the San Francisco Bay Area. Whether you are a first time buyer or a seasoned investor, JZMax Realty can assist you throughout the entire process with all types of real estate transactions. We take the time to educate our clients so that they may make an informed decision. You will feel confident with our negotiating skills, allowing you to keep the most money in your pocket.

JZMax Realty full real estate services include:

  • Residential transactions – single family homes, luxury homes, condominiums, tenancies in common.
  • Expertise with short sales and bank owned properties.
  • Investment properties
  • Full service financing and loan consultation
  • Property management
  • Exclusive representation


The Team


Julia Zagatsky – Broker/Owner, Realtor®

CA-DRE Lic. No. 01264450

Julia has been a licensed real estate agent specializing in the mortgage business for over 20 years. She knows the San Francisco Bay Area market intimately and has helped many families and individuals obtain financing for their home and investment properties. She started JZMax Realty and Mortgage in 2008 offering full real estate services, including: residential listings, short sale negotiating expertise, property management and expert loan services. She is an active Member of California Association of REALTORS® and San Francisco Association of REALTORS®. Whether you are looking to buy or sell a home or find the best possible loan rate, Julia will help you every step of the way. Her honesty and excellent customer service skills won her the title of Best Mortgage Agent in the Bay Area as voted by the readers of “J” magazine. She also has a five star rating on Yelp.


Maria Sky-Topf – Realtor®/Partner

CA-DRE Lic. No. 01896006

Maria2 (2)Maria received her Bachelors Degree in Psychology from the University of Chicago and a Masters in Communication from Northwestern University. She spent 10 years working in corporate Human Resources management roles specializing in staffing/recruitment. In 2010, she changed careers and joined JZMax Realty. She brings her passion for helping people, her sharp negotiating skills, and her business acumen to the real estate arena. She will guide you through the maze of buying or selling a home, explain all the fine print, and always get you the best deal possible. Her familiarity with technology will ensure your property has maximum exposure through print as well as online marketing (MLS, Craigslist, Zillow), social media (Facebook, LinkedIn), high quality photos and virtual tours to sell your home quickly and at top value. Having grown up in San Francisco, Maria knows the Bay Area personally and is looking forward to helping you with all your real estate needs. Maria is an active Member of National, California, and San Francisco Association of REALTORS®.


Roxany Chaklidi – Realtor®

CA-DRE Lic. No. 01995285

Maria2 (2)Roxany Chaklidi joins JZMax Realty with over 12 years of business experience buying and selling homes as well as managing rental properties. Roxany works with both buyers and sellers and specializes in distressed properties, first time home buyers and the Active Adult communities throughout Contra Costa and parts of Alameda County. She will guide you through the home buying or selling process, answering questions and providing consistent communication throughout the transaction. She is an experienced Internet marketer, and will provide extensive online exposure for listings to the top Internet websites. Roxany is an active Member of National, California, and San Francisco Association of REALTORS®.



We are Certified HAFA Specialists (CHS) and Certified Short Sale and Foreclosure Specialists (SFR)!